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What’s the Big Deal with Interest Rates? 3 Ways You Will Feel Changes

Markets go up. Markets go down. We’ve seen interest rates increase and we’ve seen interest rates decrease. Let’s assume you are not a big purchaser of Treasury Bonds – why would interest rates matter to you? The on-going saga of interest rates around the world continues to lead headlines across news outlets. With buzz words, […]

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News

Financial Advisor Magazine named BDF to its list of 2019 Top RIAs

BDF is recognized in Financial Advisor Magazine’s 2019 annual RIA ranking. You can view the full RIA ranking here.

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Blog

Child’s UTMA is Ending – What Protection Exists?

Uniform Transfers to Minors Act, or UTMA, accounts are a popular way to hold investments and bank accounts for minors.  Such accounts are owned by the minor but controlled by a designated adult custodian.  The minor becomes the outright owner of the account assets when he or she reaches the age of majority specified in […]

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Wealth Watch

Market Volatility Returns

Volatility returned with a vengeance this past week, interrupting what has otherwise been an impressive first seven months of the year for global stocks. Worldwide markets have fallen 5% since the beginning of August as investors sold out of equities and moved into the safety of bonds. What is causing this volatility? Will it impact […]

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Blog

Top 2 Tax Changes That May Affect Your Retirement

There are likely substantial retirement account changes on the horizon which will alter planning for all current and future retirees.  Recently, the House passed the Setting Every Community Up for Retirement Enhancement or SECURE Act. The SECURE Act is expected to pass the Senate in the coming months. The two most wide-reaching changes in the […]

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Blog

Working Wealthy – The Estate

One of the foundations of personal financial planning is estate planning. For some, it can be an unpleasant topic. Just ask my wife—she put up with my nagging and cajoling for nearly six months before we put our plan in place. I can’t blame her, pondering one’s own mortality is not an everyday task. In […]

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Wealth Watch

Picking Up Pennies

In investments, there’s not much more boring than cash.  Sure, it provides immense comfort when the markets go south, but in the long-term, cash is the piece of your portfolio which is basically set up to fail versus inflation.  By that measure alone, it’s exposure should be limited. Even so, cash still plays a critical […]

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Blog

College Send Off: The Tool You Need to Stay Informed

Summer feels like it just started, and back-to-school is already around the corner. Whether you are dropping off your fifth child for the first time at college – or your first child for the fifth time – you’re ready for this. You made good decisions along the way and tackled a lot: Filled out your […]

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Wealth Watch

Behaving Badly in Las Vegas

There is arguably no better place in the world to observe bad behavior than on the Las Vegas Strip. After all, “What happens in Vegas, stays in Vegas.” However, when it comes to behaving badly, we investors can give Vegas casino-goers a run for their money. At the 2019 AICPA ENGAGE wealth management conference in […]

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Wealth Watch

Annoying Averages

Growing up in school, no one wants to be average.  From the start, averages are ingrained into us, and behaviorally, we always want to be better than average in everything we do.  Take this question: Are you an above average driver?  My guess is you’d answer yes.  And I’d venture to say that more than […]

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Blog

Long Term Care: Traditional or Hybrid Policies?

Long Term Care Environment Shifting Towards Hybrid Plans When reviewing our client’s insurance coverages, a question we’re often asked is whether to purchase long-term care coverage. To answer that question there are a lot of factors to consider from your family health history to your experience dealing with a loved one going through that difficult […]

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Blog

Your Beneficiary Designations – Are They Correct?

Beneficiary designations are an extremely important component of an estate plan.  They are found on many types of assets such as IRAs, 401Ks, life insurance and annuities and designate who receives the asset after the account owner passes away.  The primary advantage of a beneficiary designation is that asset ownership transfers without the complexities and […]

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